Can sky tv debt collectors put default on credit report

[FootballPlayer]

Hi

I am in argument with SKY tv. I cancelled my subscription in August and they still sent me £57 invoices for some reason last week.

 

 

They said I have 14 days to pay otherwise it will be passed to dca.

 

 

My question is can that dca put a default on my credit report.

 

 

Can sky put a default on my credit report.

 

Should i just pay this £57 off and get it over and done with?

 

Thanks

[Bazooka Boo]

A DCA cannot place a default marker on your CRF, that has to be done by the OC, SKY.

 

The fact that they are so willing to hand it over to a powerless DCA speaks volumes, what are they claiming the invoice is for?

[dx100uk]

sky debts never show on credit files.

[FootballPlayer]

Thank you both for the quick response.

I had a discussion with sky in August to discuss the cancellation of my subscription. I cancelled my subscription in August.. So I have been in an argument with them. For some reason after cancelling my account got a letter from sky stating i need to pay £57 for some reason....

 

 

Got a letter last week stating if I don't pay within 10 days my debt will be passed onto a dca.

 

I already launched a dispute and it's being investigated. Got an email from sky tv stating they have credited my account with £56 and will treat the account as closed until the dispute has been investigated.

 

I got very concerned as I thought if they pass this to dca they will put a default on my credit report

[Bazooka Boo]

Any DCA that they choose, if they do, can be laughed off.

[FootballPlayer]

Just a quick update here. Sky said they have reinstated the £56 charge. And that i need to pay it as soon as possible as it will go to a DCA again.

 

Sorry i am abit paranoid, if this goes to a DCA is it 100% that they won't touch my credit file?

 

Sorry for querying again. Thanks

[JoeyJoeC]

How much notice did you give? Did you cancel before the contract was finished?

[renegadeimp]

A dca cannot touch your file unless the op adds a default. Sky doesn't do that. No dca has any authority to.do anything while acting on behalf of a creditor.

 

Dcas have no rights at all unless they own the debt, and even then they're limited and can.be challenged

[MaxxPower]

You need to give 28 or 30 days notice to cancel (can't recall off the top of my head), so is it possible that the charge is for a final 30 days of subscription costs for the August-September period? ie - Your notice period?

Were you outside of your minimum contract period when you cancelled?

Did you just call them up to cancel, then immediately cancel your Direct Debit which wouldn't let them collect the final subscription payment for the notice period?

[FootballPlayer]

Hi thanks for the response.

Yes i did give them notice. They still tried to take out £57 from my account. Then immediately I cancelled the direct debit.

 

What if they sell my debts to a dca then they will put a default on my credit file?

[dx100uk]

What if they sell my debts to a DCA then they will put a default on my credit file?

 

 

how many more times ...NO THEY CANT.

 

 

dx

[MaxxPower]

Hi thanks for the response.

Yes i did give them notice. They still tried to take out £57 from my account. Then immediately I cancelled the direct debit.

 

What if they sell my debts to a dca then they will put a default on my credit file?

 

So you made a final payment 30 days after giving notice, and then cancelled the Direct Debit? Or did you phone them, say "I cancel" and then immediately go to cancel the direct debit? If the latter, then it would mean they couldn't take payment for your final 30 days of subscription during the notice period.

[Bazooka Boo]

They are not going to touch your credit file no.